Reliance Home Finance
RHFL NSE
Reliance Home Finance
Financial ServicesNSE: RHFL BSE: 540709 Housing Finance
Key Fundamentals
MicrocapHousing FinanceFinancial ServicesMarket Cap
₹91.10 Cr
Volatility
Moderate
P/E Ratio
3.6
EBITDA
₹9,324 Cr
Return on Equity
-7,339.25%
Debt to Equity
0
Book Value
₹-1.09
52W High
₹4.84
52W Low
₹1.7
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
1- Company has reduced debt.
Weaknesses
3- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of -83.1% over past five years.
- Promoter holding is low: 0.74%
Growth Rate
Revenue Growth
33.36% higher than
3Y
Net Income Growth
-200% lower than
3Y
Cash Flow Change
787% higher than
3Y
EBITDA Margin (Avg.)
-207%
Quarterly Results
| Particulars | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 15.88 | 93.63 | 72.27 | 141 | 75.5 | 0.12 | 0.16 | 0.16 | 0.18 | 0.18 | 0.02 | 0.02 | 0 |
| Expenses | 6,068 | 44.76 | 44.91 | 16.24 | -9,060 | -6.05 | 0.82 | 2.72 | 5.48 | 0.28 | 0.4 | 2.23 | 0.53 |
| Operating Profit | -6,052 | 48.87 | 27.36 | 125 | 9,135 | 6.17 | -0.66 | -2.56 | -5.3 | -0.1 | -0.38 | -2.21 | -0.53 |
| OPM % | -38110.14% | 52.19% | 37.86% | 88.46% | 12099.5% | 5141.67% | -412.5% | -1600% | -2944.44% | -55.56% | -1900% | -11050% | — |
| Other Income | 0.47 | 0.13 | 6.02 | -0.05 | -274 | 0.26 | 0 | 0 | 0 | 0 | 27.89 | 0.34 | 0 |
| Interest | 311 | 252 | 272 | 267 | -759 | 0 | 0 | 0 | 1.45 | 0.34 | 0.29 | 0.11 | 0.16 |
| Depreciation | 210 | 0.51 | 0.49 | 21.25 | 0.48 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PBT | -6,573 | -203 | -239 | -163 | 9,620 | 6.43 | -0.66 | -2.56 | -6.75 | -0.44 | 27.22 | -1.98 | -0.69 |
| Tax % | -31.2% | -31.2% | -31.2% | 52.53% | 37.92% | 0% | 0% | 0% | 0% | 0% | 0% | -3.54% | 0% |
| Net Profit | -4,522 | -140 | -165 | -249 | 5,972 | 6.43 | -0.66 | -2.56 | -6.75 | -0.44 | 27.22 | -1.92 | -0.69 |
| EPS in Rs | -93.23 | -2.88 | -3.39 | -5.14 | 123 | 0.13 | -0.01 | -0.05 | -0.14 | -0.01 | 0.56 | -0.04 | -0.01 |
Profit & Loss
| Particulars | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 429 | 512 | 815 | 1,114 | 1,683 | 2,000 | 1,600 | 840 | 293 | 391 | 1 | 0 |
| Expenses | 86 | 90 | 142 | 235 | 373 | 575 | 829 | 1,920 | 6,802 | -8,933 | 3 | 3 |
| Operating Profit | 342 | 423 | 673 | 879 | 1,311 | 1,425 | 771 | -1,081 | -6,509 | 9,324 | -2 | -3 |
| OPM % | 80% | 82% | 83% | 79% | 78% | 71% | 48% | -129% | -2220% | 2384% | -381% | -1464% |
| Other Income | 1 | 0 | 0 | 15 | 0 | 2 | 2 | 0 | 0 | -277 | 0 | 28 |
| Interest | 277 | 317 | 536 | 749 | 1,062 | 1,323 | 1,337 | 1,220 | 1,185 | 32 | 1 | 1 |
| Depreciation | 0 | 0 | 1 | 7 | 2 | 3 | 4 | 3 | 212 | 2 | 0 | 0 |
| PBT | 66 | 106 | 137 | 138 | 247 | 102 | -567 | -2,303 | -7,906 | 9,014 | -4 | 24 |
| Tax % | 34% | 35% | 37% | -25% | 32% | 34% | -34% | -34% | -31% | 40% | 0% | 0% |
| Net Profit | 43 | 69 | 87 | 173 | 167 | 67 | -375 | -1,520 | -5,440 | 5,419 | -4 | 24 |
| EPS in Rs | 6.59 | 10.49 | 13.18 | 14.9 | 3.45 | 1.39 | -7.74 | -31.33 | -112 | 112 | -0.07 | 0.5 |
| Div. Payout % | 0% | 0% | 0% | 3% | 29% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Balance Sheet
| Particulars | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 66 | 66 | 66 | 116 | 485 | 485 | 485 | 485 | 485 | 485 | 485 | 485 |
| Reserves | 398 | 468 | 554 | 1,014 | 1,339 | 1,357 | 982 | -538 | -5,977 | -559 | -562 | -538 |
| Borrowings | 2,377 | 3,640 | 6,548 | 9,670 | 13,136 | 15,699 | 13,235 | 12,976 | 12,714 | 87 | 91 | 40 |
| Other Liabilities | 904 | 1,385 | 525 | 547 | 447 | 585 | 1,027 | 1,975 | 2,922 | 22 | 16 | 14 |
| Total Liabilities | 3,745 | 5,557 | 7,694 | 11,347 | 15,408 | 18,125 | 15,729 | 14,898 | 10,144 | 35 | 30 | 2 |
| Fixed Assets | 0 | 39 | 44 | 68 | 264 | 266 | 262 | 259 | 48 | 0 | 0 | 0 |
| CWIP | 0 | 0 | 0 | 0 | 2 | 0 | 1 | 0 | 0 | 0 | 0 | 0 |
| Investments | 320 | 0 | 80 | 508 | 54 | 93 | 951 | 1,007 | 161 | 0 | 0 | 0 |
| Other Assets | 3,425 | 5,518 | 7,569 | 10,771 | 15,087 | 17,766 | 14,516 | 13,631 | 9,936 | 35 | 30 | 2 |
| Total Assets | 3,745 | 5,557 | 7,694 | 11,347 | 15,408 | 18,125 | 15,729 | 14,898 | 10,144 | 35 | 30 | 2 |
Cash Flow
| Particulars | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | 412 | -179 | 433 | -3,296 | -3,507 | -1,189 | 4,713 | 3,068 | -597 | 4,103 | -22 | 9 |
| Investing | -282 | 293 | -72 | -355 | 496 | -55 | -856 | -1,560 | 848 | -105 | 1 | 0 |
| Financing | 0 | 0 | 0 | 3,227 | 2,818 | 1,291 | -3,927 | -1,374 | -367 | -4,035 | 4 | -9 |
| Net Cash Flow | 130 | 114 | 362 | -425 | -194 | 47 | -70 | 135 | -116 | -37 | -17 | 0 |
| Free Cash Flow | 412 | -219 | 433 | -3,294 | -3,508 | -1,194 | 4,714 | 3,072 | -598 | 4,145 | -22 | 9 |
| CFO/OP | 122 | -37 | 69 | -372 | -265 | -81 | 614 | -284 | 9 | 44 | 997 | -279 |
Ratios
| Particulars | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash Conversion Cycle | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | -491 | -1,002 | -705 | -590 | -138 | -94 | -253 | -682 | -3,301 | -4 | 224 | -23,675 |
| ROCE % | 13% | 12% | 12% | 10% | 10% | 9% | 5% | -8% | -67% | 258% | -17% | -432% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Reliance Home Finance insights
55 extracted metrics + investor summaries across FY14–FY25.
Documents
1
Corporate Insolvency Resolution Process (CIRP)-Outcome of meeting of Committee of Creditors
17 Apr - 09th CoC meeting of Reliance Home Finance held on April 16, 2026 after rescheduling. 17 Apr - 09th CoC meeting of Reliance Home Finance held on April 16, 2026 after rescheduling.
2
Corporate Insolvency Resolution Process (CIRP)-Intimation of meeting of Committee of Creditors
13 Apr - Reliance Home Finance to hold 9th CoC meeting on April 15, 2026 via video conferencing. 13 Apr - Reliance Home Finance to hold 9th CoC meeting on April 15, 2026 via video conferencing.
3
Corporate Insolvency Resolution Process (CIRP)-Intimation of meeting of Committee of Creditors
6 Apr - RHFL's 8th CoC meeting was held on April 3, 2026 via video conferencing. 6 Apr - RHFL's 8th CoC meeting was held on April 3, 2026 via video conferencing.
4
Corporate Insolvency Resolution Process (CIRP)-Outcome of meeting of Committee of Creditors
6 Apr - Post-facto intimation of RHFL’s 8th CoC meeting held on April 3, 2026. 6 Apr - Post-facto intimation of RHFL’s 8th CoC meeting held on April 3, 2026.
5
Corporate Insolvency Resolution Process (CIRP)-Invitation of Resolution Plan
23 Mar - Re-issued Form G for Reliance Home Finance (CIRP) published March 20, 2026 in Financial Express and Navakal. 23 Mar - Re-issued Form G for Reliance Home Finance (CIRP) published March 20, 2026 in Financial Express and Navakal.
1
Corporate Insolvency Resolution Process (CIRP)-Outcome of meeting of Committee of Creditors 10 Aug 2026
General_Announcements
2
Corporate Insolvency Resolution Process (CIRP)-Intimation of meeting of Committee of Creditors 4 Aug 2026
General_Announcements
3
Corporate Insolvency Resolution Process (CIRP)-Outcome of meeting of Committee of Creditors 17 Jul 2026
General_Announcements
4
Corporate Insolvency Resolution Process (CIRP)-Intimation of meeting of Committee of Creditors 13 Jul 2026
General_Announcements
5
Corporate Insolvency Resolution Process (CIRP)-Outcome of meeting of Committee of Creditors 24 Jun 2026
General_Announcements
Frequently Asked Questions about Reliance Home Finance
What does Reliance Home Finance Ltd do?
Incorporated in 2008, Reliance Home Finance Ltd is in housing finance business[1]
Where is Reliance Home Finance Ltd (RHFL) listed?
Reliance Home Finance Ltd trades as RHFL on the NSE and under code 540709 on the BSE.
Which sector does Reliance Home Finance Ltd belong to?
Reliance Home Finance Ltd is classified under the Financial Services sector, in the Housing Finance industry.
What is the market capitalisation of Reliance Home Finance Ltd?
Reliance Home Finance Ltd has a market capitalisation of ₹91.1 Cr, which places it in the Small Cap band.
What is the PE ratio of Reliance Home Finance Ltd?
Reliance Home Finance Ltd trades at a PE ratio of 3.60, against a book value of ₹-1.09 per share.
What is the 52-week high and low of Reliance Home Finance Ltd?
Over the last 52 weeks Reliance Home Finance Ltd has traded between ₹1.7 and ₹4.84.
What is the Return on Equity (ROE) of Reliance Home Finance Ltd?
Reliance Home Finance Ltd reported a return on equity of -7339.25%. Its debt-to-equity ratio is 0.00.
Company Information
Incorporated in 2008, Reliance Home Finance Ltd is in housing finance business[1]
Website reliancehomefinance.com
CEO Mr. Aravind Panchapakesan
Listed 2017-09-22
Face Value ₹ 10
Issued Size 48,50,58,818
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